Side-by-side · Q2 2026 data
HomeTown Bank, National Association vs Galveston Government Employees Credit Union
Credit union
Galveston Government Employees Credit Union
Dickinson, Texas · Under $100 million in assets
Metric by metric
| Measure | HomeTown Bank, National Association | Galveston Government Employees Credit Union |
|---|---|---|
| TellerScore | 75 (stronger) | 32 |
| Capital cushion | 63 (stronger) | 43 |
| Loan quality | 99 (stronger) | 0 |
| Earnings | 63 (stronger) | 0 |
| Funding & liquidity | 57 | 85 (stronger) |
| Problem-loan coverage | 98 (stronger) | 60 |
| Peer percentile | 61st | 1st |
| Total assets | $990.4M | $6.8M |
| Deposits / shares | $891.1M | $6.2M |
| Capital ratio | 11.33% (stronger) | 9.27% |
| Problem loans | 0.04% (stronger) | 3.07% |
| Net charge-offs | 0.01% (stronger) | 0.45% |
| Return on assets | 1.07% (stronger) | -2.81% |
| Loans ÷ deposits | 77.5% | 75.2% (stronger) |
| Uninsured deposits | 38.1% | 9.8% (stronger) |
| Offices | 7 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
HomeTown Bank, National Association has the higher TellerScore (75 vs 32). On the 7 directional measures above (where higher or lower is clearly better), HomeTown Bank, National Association leads on 5 and Galveston Government Employees Credit Union on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.